Seneca Bancorp, Inc. (SNNF)

Seneca Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	0.26	0.17	0.71	0.76	1.62	1.78
Depreciation & Amortization	0.66	0.56	0.53	0.42	0.43	0.39
Gain (Loss) on Sale of Assets	-0.01	-	-0.01	0	-0.02	0.01
Gain (Loss) on Sale of Investments	0.05	-0.09	0.08	0.2	0.21	0.31
Provision for Credit Losses	0.46	0.84	0.31	0.28	0.02	0.3
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.12	0.14	0.09	0.06	0	0.12
Accrued Interest Receivable	-0.14	-0.23	-0.09	-0.12	-0.12	0.07
Change in Other Net Operating Assets	3.59	3.24	-0.05	-0.77	-1.83	-0.19
Other Operating Activities	0.36	0.13	0.14	-0.35	-0.47	0.47
Operating Cash Flow	5.44	4.77	1.72	0.52	-0.08	3.2
Operating Cash Flow Growth	562.97%	177.96%	229.17%	-	-	103.76%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-3.23	-4.8	-3.32	-0.59	-0.27	-0.68
Cash Acquisitions	-	-	-	-0.71	-	-
Investment in Securities	13.91	-1.4	-11.48	4.58	-1.2	-3.54
Net Decrease (Increase) in Loans Originated / Sold - Investing	-27.71	-24.68	-5.9	-23.4	-22.19	9.16
Other Investing Activities	-1.26	-1.13	-0.36	-0.4	0.26	0.63
Investing Cash Flow	-18.3	-32.02	-21.06	-20.52	-23.4	5.58

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	-	-	2	-	1.3
Long-Term Debt Issued	-	57.31	11.75	16	10	-
Total Debt Issued	49.38	57.31	11.75	18	10	1.3
Short-Term Debt Repaid	-	-	-	-	-1.3	-
Long-Term Debt Repaid	-	-63	-6	-7.5	-8.65	-14.45
Total Debt Repaid	-55.31	-63	-6	-7.5	-9.95	-14.45
Net Debt Issued (Repaid)	-5.94	-5.69	5.75	10.5	0.05	-13.15
Issuance of Common Stock	8.57	8.57	-	-	-	-
Repurchase of Common Stock	-0.84	-0.84	-0.07	-0.45	-0.07	-0.39
Net Increase (Decrease) in Deposit Accounts	6.17	23.86	16.86	9.47	24.18	4.15
Other Financing Activities	0.21	-0.12	-0.33	-0.03	0.23	0.16
Financing Cash Flow	8.18	25.79	22.21	19.49	24.39	-9.23

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-4.68	-1.46	2.87	-0.51	0.9	-0.45

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	2.21	-0.03	-1.6	-0.07	-0.35	2.52
Free Cash Flow Growth	-	-	-	-	-	78.57%
Free Cash Flow Margin	19.13%	-0.29%	-16.53%	-0.75%	-3.82%	29.85%
Free Cash Flow Per Share	1.28	-0.02	-0.94	-0.04	-0.20	1.41

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	5.79	5.78	5.21	3.6	1.04	0.97
Cash Income Tax Paid	0.07	0.02	0.1	-	-	0.37

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 20, 2026

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